Search found 984 matches

by DTSC
Fri Jul 17, 2015 11:45 am
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 4575

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

I think diapers set me back about $35 a month, you could buy the store brand ones for a bit cheaper. I wouldn't go with cloth ones, major PIA. Graco pack n play, works fine. We used the Britax for transport, we were happy using it. Changing pad on top of dresser - exactly what we did for first 3 ye...
by DTSC
Fri Jul 17, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 4575

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

If you are concerned about the cost of baby items (as many are), seriously consider buying used items at a garage sale or on Craig's List. (Except for car seats - they have an expiration date) Don't be squeamish about used items; there's nothing that can't be disinfected with a little bleach. Any ne...
by DTSC
Mon Jul 13, 2015 3:50 pm
Forum: Personal Consumer Issues
Topic: Wiring home network cable type?
Replies: 30
Views: 1939

Re: Wiring home network cable type?

dhodson wrote:Once u have wired you will wonder why u didn't do it sooner. Glad I wired our place. It's 5 but I'd compare costs with 6 for future proofing.


What improvements have you noticed after wiring your house?
by DTSC
Tue Jul 07, 2015 9:10 am
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 1976

Re: Amish furniture maker recommendation

Yesterday afternoon, stain samples I had ordered from "Online Amish Furniture" came in the mail, and one matches our new cabinets perfectly. Last night, I checked out all of the Amish furniture company suggestions on this thread. Some have identical tables and chairs which makes me think ...
by DTSC
Sun Jul 05, 2015 11:26 pm
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 1976

Re: Amish furniture maker recommendation

DTSC wrote: We bought a bedroom set from this company 12 years ago. It was the largest purchase I ever made without looking at the product in a showroom but we were not disappointed. The prices are fair. The quality is much higher than what you'd get at a chain furniture retailer for the same price...
by DTSC
Sun Jul 05, 2015 11:26 pm
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 1976

Re: Amish furniture maker recommendation

DTSC wrote: We bought a bedroom set from this company 12 years ago. It was the largest purchase I ever made without looking at the product in a showroom but we were not disappointed. The prices are fair. The quality is much higher than what you'd get at a chain furniture retailer for the same price...
by DTSC
Sun Jul 05, 2015 9:03 pm
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 1976

Re: Amish furniture maker recommendation

Hopefully, someone out there can tell a tale of their experience ordering online from an Amish furniture maker. Anyone? Something about the combination of Amish merchants and internet commerce strikes me as ironic, but I hope you find what you're looking for. My understanding is that the craftsmen ...
by DTSC
Sun Jul 05, 2015 9:00 pm
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 1976

Re: Amish furniture maker recommendation

We bought a bedroom set from this company 12 years ago. It was the largest purchase I ever made without looking at the product in a showroom but we were not disappointed. The prices are fair. The quality is much higher than what you'd get at a chain furniture retailer for the same price. http://www....
by DTSC
Sun Jul 05, 2015 12:41 am
Forum: Investing - Help with Personal Investments
Topic: Girlfriend's Money Manager--Should She Switch to Vanguard?
Replies: 37
Views: 4443

Re: Girlfriend's Money Manager--Should She Switch to Vanguard?

I'm really confused about the last two posts... People (ie future fathers-in-law) can be very weird when talking about money. Talking about money is really the last taboo - they'd just assume talk about their sex lives rather than money. If he's has been "doing well" with this financial a...
by DTSC
Sat Jul 04, 2015 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Girlfriend's Money Manager--Should She Switch to Vanguard?
Replies: 37
Views: 4443

Re: Girlfriend's Money Manager--Should She Switch to Vanguard?

A bit off topic, but wait until you are *married* to even comment on anything. Otherwise you can be perceived as the money grubbing boyfriend.
by DTSC
Thu Jul 02, 2015 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Support for Parents
Replies: 36
Views: 4316

Re: Financial Support for Parents

One resource that is available to WWII era vets and spouses is a benefit for long-term care. I believe it is available for both in-home and institutional care, but is needs tested and eligibility criteria apply. This is on the back burner for us in case MIL's assets run out before her physical heal...
by DTSC
Thu Jun 25, 2015 11:28 pm
Forum: Personal Consumer Issues
Topic: Best Educational iPad Apps for Adults?
Replies: 7
Views: 1038

Re: Best Educational iPad Apps for Adults?

Not exactly apps, but Yale and MIT open courses are excellent

oyc.yale.edu/courses
ocw.mit.edu
by DTSC
Wed Jun 24, 2015 1:18 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 27882

Re: What ratio are you stocks/bonds and how old are you?

Age 49 and 44.
60% stock, 40% bonds
by DTSC
Tue Jun 23, 2015 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: I've got $80k burning a whole in my pocket, what should I do with it?
Replies: 21
Views: 2893

Re: I've got $80k burning a whole in my pocket, what should I do with it?

Emergency fund.
Pay down debt.
Pay down debt.
Pay down debt.

BTW it is "hole in my pocket"
by DTSC
Tue Jun 23, 2015 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Savings Plan - Do not have a child right now! (at least I don't think)!!
Replies: 7
Views: 777

Re: 529 Savings Plan - Do not have a child right now! (at least I don't think)!!

I think you are a bit premature in planning - at least wait until you have one in the oven. However, you can open a 529 plan for yourself now, and change the beneficiary when your child is born.
by DTSC
Tue Jun 16, 2015 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Possible cross-road
Replies: 14
Views: 1873

Re: Possible cross-road

@DTSC - More excellent points. I know that once I leave my current job, I am not likely to find another as high-paying possibly ever (I lucked out as it is). I would also plan to have a heart to heart with my parents and siblings about the extent to which I will go, in terms of playing the caregive...
by DTSC
Tue Jun 16, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Possible cross-road
Replies: 14
Views: 1873

Re: Possible cross-road

As a physician, I would remind you to consider the emotional and physical stress involved with caring for 2 elderly people, especially one with dementia. Also, remember that responsibility falls on those who pick it up. You might become the path of least resistance as far as your siblings are concer...
by DTSC
Mon Jun 15, 2015 2:38 pm
Forum: Personal Consumer Issues
Topic: How/where to get rid of old gasoline
Replies: 35
Views: 3916

Re: How/where to get rid of old gasoline

I'm sure there are people who will gladly take the $30 worth of gas off your hand. Try freecycle.org

Works well for other stuff in the house too.
by DTSC
Wed Jun 03, 2015 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard adviser
Replies: 14
Views: 1665

Re: Vanguard adviser

$50,000 * 0.3 /100 (to get percentage) = $150
by DTSC
Sun May 31, 2015 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Ethics over income?
Replies: 23
Views: 3350

Re: Ethics over income?

If the bosses are screwing the workers below you, how long will it be before they start screwing you too?
by DTSC
Fri May 22, 2015 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 4864

Re: Not able to max out all the retirement accounts

For once, I am suggesting that someone take a break from reading posts here. Bogleheads save obsessively and entirely skews one's perspective. Your family is making $120K and spending only 1/2 of it. You're doing fine. Don't compare yourself to people here. IMHO, your husband should not sacrifice ti...
by DTSC
Thu May 21, 2015 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Follow "Passion" or Follow the Money?
Replies: 73
Views: 4926

Re: Career Advice: Follow "Passion" or Follow the Money?

What, if any, are your plans for family/children? Many of my neighbors are in management consulting. They travel *a lot*. Some are gone weeks at a time. Their spouses are basically single parents (albeit with much more money to spend).
by DTSC
Thu May 21, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Apply Medical school advice
Replies: 17
Views: 1922

Re: Apply Medical school advice

Physician here. I would give it 1 line (and only 1 line) under "Hobbies/interests" Certainly no one will hire someone based on video game playing ability. Despite your feeling that video games are a waste of time, many many people enjoy playing video games. If that one line catches an inte...
by DTSC
Tue May 19, 2015 4:01 pm
Forum: Personal Consumer Issues
Topic: South Bend to Chicago to Milwaukee
Replies: 18
Views: 1454

Re: South Bend to Chicago to Milwaukee

You can buy some fireworks in Indiana. Can't get them in Illinois
by DTSC
Tue May 12, 2015 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Which Company Do You Have Auto Insurance With?
Replies: 105
Views: 6521

Re: Which Company Do You Have Auto Insurance With?

GEICO.

Got the 10% discount for owning a few shares of BRK.B too!
by DTSC
Mon May 11, 2015 2:31 pm
Forum: Personal Consumer Issues
Topic: New wall mount--Upgrade to new, lighter model TV?
Replies: 5
Views: 495

Re: New wall mount--Upgrade to new, lighter model TV?

If you want to upgrade the TV, by all means do so. However, they make mounts to support even heavier weights, such as this one http://www.monoprice.com/Product?c_id=109&cp_id=10828&cs_id=1082821&p_id=12280&seq=1&format=2 You can always buy a mount which supports the next size (or...
by DTSC
Tue May 05, 2015 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase an Umbrella policy?
Replies: 54
Views: 6104

Re: Should I purchase an Umbrella policy?

I'd go with the $12
by DTSC
Fri May 01, 2015 12:49 pm
Forum: Personal Consumer Issues
Topic: Oh Hail! [fix hard to see hail damage to car?]
Replies: 25
Views: 1872

Re: Oh Hail!

I would keep the money. If you don't wash the car, the dust and dirt will cover the dimples!
by DTSC
Fri May 01, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: Electrical extension cord for a major appliance
Replies: 16
Views: 1546

Re: Electrical extension cord for a major appliance

Just make sure the wire thickness is adequate for the amount of power the appliance is going to draw. If in doubt, find out how many watts your appliance requires (most have a label on the back - can take a picture of the label) and talk to the knowledgeable people at a local hardware store.
by DTSC
Wed Apr 29, 2015 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Y/O - where to put surplus money
Replies: 10
Views: 1545

Re: 25 Y/O - where to put surplus money

Do you plan to have more education in the future? If so, consider a 529 plan.
by DTSC
Sun Apr 26, 2015 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: How hard is it to set up a solo 401k?
Replies: 15
Views: 1512

Re: How hard is it to set up a solo 401k?

If you plan to go back door Roth and have old IRAs, open your account at Fidelity rather than VG as VG does not allow rollover of old IRAs into the solo 401k. Fidelity does
by DTSC
Wed Apr 22, 2015 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Wife would like employment advice from the Bogleheads
Replies: 31
Views: 3562

Re: Wife would like employment advice from the Bogleheads

The *culture* at the VA is what she should consider strongly. As others have noted, the pace is quite a bit slower than the private sector. Some people like it, others cannot stand it. Of course, being a qualified nurse, she can always change jobs again if she doesn't like it there.
by DTSC
Tue Apr 21, 2015 8:41 pm
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 2035

Re: European Cruises

Mel, I've heard good things about river cruising, but that it's most suited for couples rather than families. Is that true? It seems that OP will be traveling as a couple, so that is a good fit. OP, I spent the most wonderful Christmas in Rome a few years ago. You've given me ideas now about a retu...
by DTSC
Tue Apr 21, 2015 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Have a saved enough to retire?
Replies: 18
Views: 2067

Re: Have a saved enough to retire?

Are you male or female? Women statistically live longer
by DTSC
Tue Apr 21, 2015 11:51 am
Forum: Personal Finance (Not Investing)
Topic: My professor gave me textbooks I later sold. Taxable?
Replies: 19
Views: 1228

Re: My professor gave me textbooks I later sold. Taxable?

Better still:

1. Get Tax ID as a sole proprietor business
2. Open solo 401K plan
3. Apply earnings to fund 401K
by DTSC
Mon Apr 20, 2015 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 5222

Re: Paying for GFs school - any way to help myself?

Go for it. You are already helping yourself. Generosity is its own reward. Sounds like this one's a keeper and you're building your relationship. You're making good money at a young age and $10K is not much in the big scheme of things. It's not like you're blowing the money on booze and strippers. J...
by DTSC
Sun Apr 19, 2015 10:08 pm
Forum: Investing - Theory, News & General
Topic: Sad calculation (max IRA contributions)
Replies: 18
Views: 1291

Re: Sad calculation (max IRA contributions)

How does one not get Social Security after working 40 years? Or put another way, how did s/he get away with not paying Social Security tax all those years?
by DTSC
Sat Apr 18, 2015 8:01 am
Forum: Personal Consumer Issues
Topic: Opticians [Purchasing eyeglasses]
Replies: 13
Views: 1541

Re: Opticians

Let me make sure I understand this - you buy frames from the local optical shop, but lenses from Zenni, and the local shop will put them in? Why not get the complete pair from Zenni? Depending on the prescription, you probably won't risk very much money. I've had excellent experience with Zenni opti...
by DTSC
Fri Apr 17, 2015 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase an Umbrella policy?
Replies: 54
Views: 6104

Re: Should I purchase an Umbrella policy?

DTSC you wrote, "$330 represents 1.8% of his annual income...". Are you saying that's good or not good? I would consider 1/50 of my (or anyone else's) annual income a sizable amount. My family's income has varied a lot over the years, but spending on anything costing over 1% of our income...
by DTSC
Fri Apr 17, 2015 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase an Umbrella policy?
Replies: 54
Views: 6104

Re: Should I purchase an Umbrella policy?

Get it. It is relatively cheap. It gives you much better protection, for much less money. If you are eligible, get it now. You never know when an accident will occur and you will no longer be eligible for some period of time. No offense, but you don't have $1m in assets, so why do you need so much ...
by DTSC
Thu Apr 16, 2015 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Can I open solo 401K on 2500$ self employed income
Replies: 18
Views: 1521

Re: Can I open solo 401K on 2500$ self employed income

Maybe Vanguard changed its policy. My experience is from 1.5 years ago. My wife had a Vanguard solo 401K plan and SEP and rollover IRA's with Vanguard as well. They would not allow rollover into the 401K. We had to open a Fidelity solo 401K to roll those IRA's into it. SEP IRAs and rollover IRAs ar...
by DTSC
Thu Apr 16, 2015 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Can I open solo 401K on 2500$ self employed income
Replies: 18
Views: 1521

Re: Can I open solo 401K on 2500$ self employed income

Just crashing someone else's thread - does Vanguard not accept ANY rollovers? Or do they just not accept IRAs? In other words, could I roll over an old employer's 401k into a Vanguard solo 401k? Vanguard's Individual-401k details state they accept rollovers from qualified plans (like a 401k). I don...
by DTSC
Thu Apr 16, 2015 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Should I purchase an Umbrella policy?
Replies: 54
Views: 6104

Re: Should I purchase an Umbrella policy?

No offense, but you don't have $1m in assets, so why do you need so much coverage? Why would a settlement necessarily be limited to a person's assets? Couldn't it also involve future earnings? In that case a 22 year old engineer needs $3M of coverage?? (Let's say he makes $60K per year and works fo...
by DTSC
Wed Apr 15, 2015 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase an Umbrella policy?
Replies: 54
Views: 6104

Re: Should I purchase an Umbrella policy?

No offense, but you don't have $1m in assets, so why do you need so much coverage?
by DTSC
Wed Apr 15, 2015 10:29 pm
Forum: Investing - Theory, News & General
Topic: How to (diplomatically) challenge wife's active mgmt funds
Replies: 90
Views: 5720

Re: How to (diplomatically) challenge wife's active mgmt fun

If it's only 2% of the entire portfolio, it's probably not worth the aggravation.
by DTSC
Wed Apr 15, 2015 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Can I open solo 401K on 2500$ self employed income
Replies: 18
Views: 1521

Re: Can I open solo 401K on 2500$ self employed income

Open the solo 401K at Fidelity, not Vanguard. Fidelity accepts incoming rollovers, Vanguard does not. I know from personal experience.
by DTSC
Wed Apr 15, 2015 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: How do I find a good local Financial Adviser?
Replies: 20
Views: 1806

Re: How do I find a good local Financial Adviser?

Is there a good reason why you cannot do this yourself? Nothing you asked about requires a rocket scientist. Thanks for your reply but I asked how to find a financial planner that met my criteria...that's it. I didn't ask about retirement saving, life ins, etc. I feel like I'm a fairly well informe...
by DTSC
Mon Apr 13, 2015 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to [Financially] Prepare for a Baby
Replies: 42
Views: 4232

Re: How to Prepare for a Baby

Also remove the words "free time" and "hobby" from your vocabulary Make sure you have enough life and disability insurance. See if there is a freecycle group near where you live. Garage sales are a great source of baby stuff, especially if there are wealthier neighborhoods near y...
by DTSC
Sun Apr 12, 2015 10:33 am
Forum: Investing - Help with Personal Investments
Topic: A 100% newbie asking for advise desperately
Replies: 10
Views: 836

Re: A 100% newbie asking for advise desperately

Since today is very close to the tax deadline, make sure both of you have made IRA or Roth IRA contributions for 2014. Re-file your 2014 taxes if necessary. Stay at home spouses can still make IRA contributions, up to $6000 per year.
by DTSC
Sun Apr 12, 2015 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 19646

Re: Cost of College & Weighing the Merits of Top Schools

..., its in the connections made outside it. I was amazed once to find out that I was hired because of who I knew and not what I knew. I think that's how some lobbyists make their money, too. Yes, connections=money. Sad,but true. Connections also = get admitted to HYPS. Whether you like them or agr...

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